Videos
Teaching you insanely actionable asset building and how you can retire like a boss using your HDB or Condo.
Age-95 Financing Calculator
Case inputs
Limits are computed against the youngest buyer and the flat's remaining lease. Start with a quick check, then add financing for the full cash and CPF picture.
Property
No data. Enter remaining lease manually below.
years
months
Lookup fills whole years only (it reads the lease start year from resale data, not the exact date). Get the exact years and months from the HDB Flat Portal and enter both here.
Lookup reads lease commencement from HDB resale records where available, which is the correct basis for the age-95 rule. If only the construction year is found, the true lease start can be later, so the remaining lease may be higher than shown. Always confirm the lease start on the HDB Flat Portal or HFE letter, and use Precision mode for the exact figure.
From HDB records. 99-year lease assumed.
When both dates are filled, the calculator uses month-precise age and lease, the same basis as the official CPF calculator, and overrides the whole-year fields above.
Deal
Leave blank to assume valuation = price (no COV).
Financing
Grants (enter max eligible amounts)
Enhanced CPF Housing Grant (EHG)Pro-rates with lease shortfall
CPF Housing Grant (Family)Does not pro-rate
Proximity Housing Grant (PHG)Does not pro-rate
Singles GrantDoes not pro-rate
Step-Up CPF Housing GrantDoes not pro-rate
Grant maximums change with policy. Enter what the client qualifies for per their HFE letter. Grants are credited to CPF OA and count toward the CPF usage cap. Buyer's Stamp Duty is auto-computed in the cash breakdown.
Every limit, one screen.
Enter the property and buyer on the left. Quick check gives the pro-ration, CPF cap and loan ceiling. The full breakdown adds cash needed, when CPF runs out, and how to extend it.
Nearby blocks worth comparing
Same price and buyer, against similar-age and full-coverage alternatives.
▼
Leases estimated from year of completion. Distances are straight-line from OneMap coordinates. Double-check every figure against official HDB resources before presenting to a client.
Rules applied: HDB LTV 75% (from 20 Aug 2024) · BSD residential rates (from 15 Feb 2023) · Age-95 CPF and HDB loan rules (from 10 May 2019) · Last reviewed Jul 2026.
Final word before advising: confirm CPF usage on the CPF housing usage calculator and the loan on the HDB Flat Portal. This tool may contain errors, and the most reliable figures come from entering precise inputs, the exact remaining lease in years and months and the buyer's date of birth.
PDF options
Add your details to the PDF (optional)
Indicative estimates for planning conversations only. CPF usage limits, grant amounts, and loan quanta are determined solely by CPF Board, HDB (via the HFE letter), and the financing institution's credit assessment. Formulas follow published CPF Board and MND methodology as at mid-2026; policy changes may not be reflected. Buyer's Stamp Duty is auto-computed at residential rates. Lease data from data.gov.sg is estimated from year of completion and must be verified against official HDB records. Not financial advice. HeroHomes · PropNex Realty.